” my income in retirement is more than when I was working”
I assume this is due to good investments on your part?
Pensions (3), Social Security (2) and liquidating one of my troublesome retirement accounts. The key in retirement is to not “make” money in your retirement accounts. You should be skimming off your gains and converting them to cash. IOW your net worth (minus house) should not increase. Your job in retirement is to spend money.
It’s why I have 5 music streaming services for my stereos and constantly looking to upgrade it.